Send the letter certified return receipt request and send a copy of the letter to your credit card company.

You need to act fast. Your credit card company needs your dispute letter within 60 days of the date your statement was issued.

You have a better chance of resolving a credit card dispute if you put the dispute in writing and enclose a copy of your receipt. Always keep the original receipt yourself in case the paperwork gets lost.

When you send your dispute letter, don't make the mistake that many people do and send it with your bill. What you have to do is send it to the special address for disputes that's listed on your statement.

As Rocco learned, resolving a credit card dispute takes persistence, but if you do it right your efforts can pay off.

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